What is Unoccupied or Vacant Home Insurance?

Does your homeowners insurance include coverage for an unoccupied property? If you are like most policy holders, you know little about the fine print surrounding your home’s occupancy. In fact, you may not even be aware that most homeowners insurance companies include provisions in their policies that exclude, reduce or even drop coverage for vacant or unoccupied properties. If you own a home that is temporarily unoccupied or permanently vacant, the higher risks associated with your property could leave you vulnerable to loss and damages not covered by your insurance. Click here to read more about the vacant home clauses and to find out if unoccupied homeowners insurance could be right for you.

About Unoccupied and Vacant Properties

Millions of homes in the U.S. are vacant or unoccupied for a number of reasons. The definition of an unoccupied or vacant home varies from insurer to insurer according to the guidelines documented in a homeowners insurance policy. However, the general definition of an unoccupied home is one in which no one has lived for a period of 30 days or more, but the owner is generally expected to return in the future. A property may be considered vacant if it is uninhabited, and most of the home’s furnishings have been removed. Vacant homes are often abandoned properties that may or may not have occupants in the future.

Vacation houses, rental homes, houses undergoing renovation, and empty houses placed for sale are just a few examples of properties that are often excluded from traditional homeowners insurance coverage. Whatever the reason, some homeowners may be surprised to find their insurer has dropped coverage or denied a claim due to higher risks of vandalism, theft, and other losses.

Purpose of Unoccupied or Vacant Home Insurance

The purpose of unoccupied home insurance is to provide financial security until someone moves into a home or a new owner purchases the property. Unoccupied home insurance varies from traditional homeowners coverage in that it is meant to be temporary. Policies are typically written for specific periods of time – often between 3 months and one year. In some cases, an insurer can include an unoccupied home addendum to an existing homeowners insurance policy that will provide temporary coverage until a homeowner returns to the property.

Unoccupied home insurance ensures that claims will be paid for certain types of damages that a homeowners policy would not cover. For example, traditional insurance might deny a claim for damage from a burst pipe while the homeowner was away, as the losses may have been better mitigated had someone been present when the damage occurred.

Find Coverage for Your Unoccupied Property

Do you know the details of your current homeowners insurance coverage for unoccupied or vacant homes? If you currently have an unoccupied home or plan to leave a property in the future, we encourage you to contact our office to speak with one of our helpful agents. We will be happy to review your current coverage and identify any potential gaps in coverage. Our team will assist you in finding unoccupied home insurance that fits your needs and provide you with a free, no-obligation quote. For more information, give us a call today. We look forward to serving you soon.

Thanks for the Reviews!

Bob was fantastic and professional. I submitted my paperwork on Friday and was not expecting to hear anything until Monday at the earliest. To my surprise I recurved a quote and a phone call on Saturday morning. Thank you Bob for your hard work!

Ryan J.

17:24 05 Jan 20

We have had Mooney Insurance take care of all our insurance needs for the last 10 years. Bob Mooney is very personal and his staff has great customer service. Bob is very knowledgeable about insurance and looks for the best deals.

Tracy R.

19:20 14 Dec 18

This agency is the best. They work hard to get you the right insurance coverage. They try to keep the cost down and they go the extra mile. Wonderful service, thanks.

Bob A.

17:45 14 Dec 18

It's the people like Bob Mooney, not the store front or the high priced decorated office that makes a difference. I've known Bob and his family for over 20 years and I would not want anyone but Bob handling my Insurance affairs. Semper Fi. 😎

I have been with Bob Mooney for some time now. Bob and his office are always available and helpful and friendly for matters large and small. I referred my sister and my mail carrier, and they are happy, too. Not incidentally, Bob can find you the best rates. I would not switch.

Lynette M.

21:51 20 Aug 18

I have been with Mooney for several years now and have always received excellent customer service. In addition, Bob has given advice that has been of significant benefit to me.

Dwayne R.

00:33 28 Jul 18

Prompt answer on questions and always looking for the best rate!

Renee S.

02:57 25 Jun 18

I started using Mooney Ins. last year when we bought a new home. After Bob found me a great rate on my homeowners, when it came time to renew the landlord policy on our rental, I called him again. Once again, a lower rate. It is not just the lower rates, but the service from all of the people I have dealt with, Bob, Christy, andJackie have been helpful, knowledgeable and friendly. I would highly recommend Bob Mooney and his office to anyone needing insurance!

Kathy A.

19:16 22 Jun 18

I Have been using Mooney Ins. since I moved to Az. in '07. Great people to work with. Always prompt, courteous, and they get things done!

They are always available and have gone way out of there way for us. If you have more than one property, you won't be disappointed either..

George A.

03:01 03 Jun 18

The is my second year with Bob. He has our Business - Auto - RV and RZR insurance. Everyone there is super nice to talk to. Would highly recommend Mooney Insurance to anyone! You will be very please with the service. He has saved us a lot of $ by using Mooney Insurance!

The is my second year with Bob. He has our Business - Auto - RV and RZR insurance. Everyone there is super nice to talk to. Would highly recommend Mooney Insurance to anyone! You will be very please with the service. He has saved us a lot of $ by using Mooney Insurance!

Jim L

13:22 24 May 18

We love Bob. He has made our life so much better when dealing with our insurance. Our needs are always changing and all we have to do is make one phone call ( which he always answers or calls right back) and everything is taken care of quickly and no hassles. You can't go wrong!

I have known Bob since 1997 and have had many many policies with him. I have always received Stellar Service! He is very prompt, friendly and knowledgeable! I always recommend him to anyone I know. You can not go wrong with Mooney Insurance!

Crissy K.

22:11 23 May 18

Good experience, good people

Hilda Gutierrez L.

18:36 18 May 18

Mooney Insurance Co is a Broker of Many Insurance Companies. My Wife and I and many of my clients enjoy the 'Family Like Service" from Bob and his very Competent Staff!

Jeff J.

18:51 16 Nov 17

Great service. Very friendly staff. Top notch!

c F.

20:17 13 Feb 17

Bob has been taking care of our business for many years and is always available at the drop of a hat! We never hesitate to recommend him!

If you're looking for no hassle, affordable insurance with friendly, professional service... search no more. Mooney Insurance has served our family well for several years and will continue to do so for several more years. Bob and Brandi always find the answer in a timely, courteous fashion. We are glad to have been introduced to Mooney Insurance!

CMW D.

16:18 17 Mar 16

I have been with Mooney Insurance for many years and I am very satisfied. They are pleasant and honest, which is greatly appreciated.I would recommend you give them a try.

Debbie N.

23:53 25 Nov 15

Best Insurance Agency in all of Tucson! Dedicated, Competent, Caring, and Very Competitive In Their Pricing! Top Notch!

Contact Us

Our Latest Post

It might seem to be a strange question coming from your insurance agent, but it is a fair one. Multi-Policy Discounts What we are referring to is taking advantage of standard discounts such as a multi-policy discount. A multi-policy discount is a discount given to policy-holders that have more than one policy with the same […]